How Windfall Earnings Can Spoil Your Obamacare Subsidy

Question: I expect $45,000 in self-employed income for my family of four this year, qualifying me for substantial government subsidies through the Affordable Care Act exchange. What happens if my actual earnings are just as expected until Dec. 31, 2014, when I realize an involuntary capital gain because a company that I own a stake in gets bought out by another firm. If that event raised my actual 2014 adjusted gross income to $115,000, would I have to repay all the government premium subsidies I received throughout the year?

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